Dave's Blog

Just a couple days ago the City of Elgin planning commission had to vote on a big issue.  It is an issue that affected people in Bartlett and Elgin.So, what was it.   Well for the last couple of Months the owners of Villa Olivia have gone before the commission to get them to approve a measure to...

As a First time Home buyer you need to know what you can afford before you start looking for a home.  To do this you need to know your credit score.   Knowing what kind of mortgage you can qualify for, and how much; depends on a number of different variables including your credit score. Accordin...

In order to overcome Parkinson's Law, you must consciously act against it. The simplest way to counteract Parkinson's Law is to save by "paying yourself." Before your earnings go anywhere else, or are spent on anything else, some must be saved. And the amount saved must be at least 10% of earning...

R. Nelson Nash, author of Becoming Your Own Banker - The Infinite Banking Concept, says the major issues that interfere with saving are not financial, but psychological. These are the "human factors" of financial planning, and unless they are resolved, it's unlikely that one will progress financi...

I meet with people all the time that are over their head in debt.  Most of these people pay a little extra on some bills, stop using their credit cards and still end up growing their debt.If you or someone you know is like this; know there is hope.  I work with many people to pay off their debt i...

Do you know what your clients think?  I have found that when I have an idea of what they think I can care for them better.Now I send out a newsletter asking them a couple questions and have them call in on my toll free number.  I have decided that I was going to change this around and ad it to my...

Well I was told a while back that I could find out where the people where coming from online by their IP address.  I did not know where to get this information, and have been wondering.Well I found a site to help me out.  I ad the IP address and it tells me where they are. GeoIP IP to Location Lo...

1. Your only credit card.Since part of your credit score considers the different types of credit you have, keeping a credit card in the mix will add points to your credit score. You could get turned down for a credit card in the future because the creditor will think you don't have enough experie...

What news is this.  Congress is requesting that Pres. Bush appoint a Mortgage Czar.  Wow, we are out of our minds.Let's look at what a czar is.Dictionary.com Unabridged (v 1.1) - Cite This Source - Share This czar      /zɑr, tsɑr/ Pronunciation Key - Show Spelled Pronunciation[zahr, tsahr] Pronun...

Is it Worth Paying Points and Fees? The refinancing of home mortgages caught on like wildfire in the 1990s with the advent of the no-cost loan. Once people realized they could save thousands of dollars and refinance their home to get a better interest rate, and do this with no out-of-pocket cost...